Travel Insurance for Germany
Essential travel tips for Canadians heading to Germany
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At a glance
- World Nomads offers four travel insurance plans for your trip to Germany. Plans range from standard to higher-limit protections.
- Coverage may apply to popular German activities like hiking, biking and paragliding.
- Policies for Canadians include protection for medical emergencies, trip cancellations and lost luggage.
Germany has plenty to offer beyond its big cities, though Berlin and Munich are hard to resist. Outside city limits, you’ll find quaint towns, vineyard-strewn valleys and castles rising above forested hills. Whether you’re cycling along the Rhine or hiking in the Bavarian Alps, it’s a destination that will leave you hungry for more. Speaking of which, you’ll find plenty to tempt you, from bratwurst and warm pretzels to regional dishes best paired with a local beer. Whatever kind of trip you’re heading to Germany for, a smooth journey starts with smart planning, including choosing the right level of travel insurance.
Plan Comparisons
Choosing the right travel insurance coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
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Ideal for: Coverage Includes:
Covering the basics for your trip to Germany Get a quote |
Ideal for: Coverage Includes:
Optional ‘Cancel for Any Reason’ available Get a quote |
Ideal for: Coverage Includes:
Optional ‘Cancel for Any Reason’ available Get a quote |
Ideal for: Coverage Includes:
Get a quote |
Travel insurance for adventure activities in Germany
Germany has a relaxed approach to adventure, with forest trails, river valleys and alpine peaks inviting you to go at your own pace. Wander through the trails winding through the Black Forest or take advantage of the 11,000km German Cycle Network – it links every region of the country. Hint: Hiring an e-bike makes it easier to venture further, and you can refuel in cafes along the way. In the south, winter transforms the Alps into a playground for skiers, while the warmer months bring lake swims, long-distance hikes, paragliding and canyoning – and more cycling, of course.
Coverage for 250 activities you love + more
Common insurance considerations for Germany
Trip cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home to care for your fur baby. Change your mind about travelling? There’s no judgment here.
Missing luggage
Nothing gets a trip off to a rocky start quite like arriving at Heathrow without your bags. If your checked luggage is lost or delayed, travel insurance benefits may help reimburse you for lost items. Keep original receipts for any personal items you purchase – such as toothbrushes, prescription medication or a change of clothes. The first step is always to report missing luggage to your airline or other common carrier and check what compensation they may provide.
Accidents and medical emergencies
No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be thankful you sorted your travel insurance before you left home. Hit by a car crossing the street? Fell off your bike in the Black Forest and need stitches? Ate a dodgy bratwurst and came down with a bad bout of food poisoning? Emergency assistance is a phone call away.
Lost or stolen gear
Even the most careful of travellers can face that sinking feeling – realising they’ve left a passport or wallet on the train, or that an opportunist has taken off with their phone or camera without them noticing. Whether you bought the lost or stolen item on your trip (and have the receipts to show for it) or carried it with you from home, travel insurance may be able to reimburse you.
Tips for travelling to Germany
- Watch for pickpockets and bag snatchers in busy city areas – crowded trains and U-Bahn platforms can attract opportunists, so keep valuables secure and bags zipped.
- Resist the temptation to cross the street on a red light, even if there are no cars coming. Jaywalking is considered socially unacceptable and can result in a police fine.
- Carry ID – you may be required to show identification if asked by authorities.
- When driving on the autobahn, avoid treating no-speed-limit sections as an invitation to go as fast as you can. The recommended speed is 130 km/h; exceeding it can increase your liability if there’s an accident.
FAQ
Here are our most frequently asked questions about cover for Germany. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I drink tap water in Germany?
Yes, tap water in Germany is safe to drink and of a high quality.
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Do Canadians need a visa to visit Germany?
Canadians don’t need a visa for short stays in Germany (up to 90 days within a 180-day period). Entry requirements can change, so check official government advice before you travel.
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Is Germany safe for tourists?
Germany is generally a safe destination, with low levels of violent crime. Petty theft can occur in busy areas, on public transport and at major attractions, so keep valuables secure and stay aware of your surroundings. Check government travel advisories for Canadians heading to Germany before your trip.
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Is healthcare free for tourists in Germany?
Healthcare in Germany is not free for most visitors. While emergency medical treatment may be available, you can be charged for care, making travel insurance important.
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When is the best time to visit Germany?
Late spring to early autumn (May to September) offers the best weather for sightseeing and outdoor activities. December is also popular for its Christmas markets.
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Do I need travel insurance for Germany?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, trip cancellations, trip delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness.
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How do I make a claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
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What if my passport gets stolen in Germany?
World Nomads travel insurance plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the policy towards the replacement of your passport or one or more other travel documents mentioned above.
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Insurance protection for your hard earned vacation in the event of unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- AMT Plan: $10,000
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Standard Plan: $250,000
- Explorer Plan: $500,000
- Epic Plan: $750,000
- Annual Plan: $500,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Gear & Baggage Protection
Coverage for the theft, damage or delay of your bags, tech and sports gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $5,000
- Annual Plan: $2,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
Protect your health
- Emergency Medical & Dental Expenses
- Emergency Evacuation and Repatriation
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Return of Remains
- Return of Travel Companion/Dependent Children
Protect your trip
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Exchange (Explorer, Epic or AMT)
- Rental Vehicle Damage (Explorer, Epic or AMT)
Protect your stuff
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services
- 24/7 Worldwide Emergency Medical Assistance
- Worldwide Travel Assistance
- Personal Security Assistance
- Adventure Traveller’s Hotline
- Bag Trak
Before your trip, check the latest government advice for any travel alerts for your destination.